When choosing any marketing/web agency, you need to consider protection of your intellectual information (i.e. your ideas, your creativity, your personal information and values, and protected company data). Your agency of choice should be accountable, responsible and completely credible.
Most small home office or basement operations don't have the infrastructure or in-house talent to get the job completed when you need it done. To add to this statement, most small home office or basement operations, simply cannot afford insurance to protect their clients.
At FPM3, we believe in protecting our clients and we do carry Professional Liability (AKA Errors & Omissions) insurance.